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only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: EWS1 required on properties with combustible cladding or materials on balconies?

Lender: Precise Mortgages

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Tower Block with Cladding

Lender: Precise Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Type: Coach house

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Issues: Overage Clause

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Woolaway

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Wholly Timbered

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Structural Insulated Panel Solutions (SIPs)

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Single skin

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Potton Homes

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Off site manufactured (MMC)

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Insulating concrete form (ICF)

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Type: Basement flat

Lender: Precise Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Converted church

Lender: Precise Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Property Factors: Mine Shafts

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Flat/Maisonette Maximum LTV (Standard)

Lender: Precise Mortgages

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Flat/Maisonette Maximum LTV (New Build)

Lender: Precise Mortgages

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Property Construction: Modern method of construction (MMC)

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Property Construction: Thatched roof

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Properties with Asbestos

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

BTL Portfolio Landlords Position and Definition

Lender: Ipswich Building Society

Type: correction

New Search value: Not Accepted

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

BTL Property with acreage

Lender: Accord Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

BTL Property Construction: Mundic block

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Applicants on Furlough

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: EWS1 required on properties with combustible cladding or materials on balconies?

Lender: Accord Mortgages

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Single skin

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Flying Freehold: Maximum acceptable percentage of the gross floor area

Lender: Accord Mortgages

Type: setup

New Search value: 15

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Maximum number of stories where no lift is present

Lender: Accord Mortgages

Type: setup

New Search value: 4

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL New Build Warranty: ICW

Lender: Saffron For Intermediaries

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Unadopted Roads

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: EWS1 required on properties with combustible cladding or materials on balconies?

Lender: Saffron For Intermediaries

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Tower Block with Cladding

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Type: Coach house

Lender: Saffron For Intermediaries

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Ownership: Splitting of a title deed on completion

Lender: Saffron For Intermediaries

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Ownership: Shared access or shared services

Lender: Saffron For Intermediaries

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Issues: Overage Clause

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Woolaway

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Wholly Timbered

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Structural Insulated Panel Solutions (SIPs)

Lender: Saffron For Intermediaries

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Single skin

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Off site manufactured (MMC)

Lender: Saffron For Intermediaries

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Insulating concrete form (ICF)

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: British Iron and Steel Federation (BISF)

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Flying Freehold: Maximum acceptable percentage of the gross floor area

Lender: Saffron For Intermediaries

Type: setup

New Search value: 15

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Type: Basement flat

Lender: Saffron For Intermediaries

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Property Construction: Converted church

Lender: Saffron For Intermediaries

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Maximum number of stories where no lift is present

Lender: Saffron For Intermediaries

Type: setup

New Search value: 5

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Split Mortgage Terms

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Sole application joint proprietor

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Remortgage purpose: Capital raise for BTL where property not yet found

Lender: Saffron For Intermediaries

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Layered company Ltd BTL

Lender: Saffron For Intermediaries

Type: setup

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Ltd Co BTL: Source of deposit is from applicants other company

Lender: Saffron For Intermediaries

Type: setup

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL HMO rental valuation assessment

Lender: Saffron For Intermediaries

Type: setup

New Search value: We do not accept HMO applications

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Remortgage purpose: School/Education fees

Lender: Saffron For Intermediaries

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Remortgage purpose: Medical expenses

Lender: Saffron For Intermediaries

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Remortgage purpose: Personal investments (not property related)

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Remortgage purpose: HMO conversion back to standard residence

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Remortgage purpose: Extending a lease

Lender: Saffron For Intermediaries

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Purchase and rent back to the builders as a show home

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Maximum number of students considered on one AST

Lender: Saffron For Intermediaries

Type: setup

New Search value: We do not accept student tenants

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL HMO: Communal area in the property

Lender: Saffron For Intermediaries

Type: setup

New Search value: We do not accept HMO applications

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Expat: Holiday Lets

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Covid-19: Policy

Lender: Saffron For Intermediaries

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Covid-19: Are you offering a payment holiday?

Lender: Saffron For Intermediaries

Type: setup

New Search value: Contact Lender

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Covid-19: Will allow conversion to interest only?

Lender: Saffron For Intermediaries

Type: setup

New Search value: Contact Lender

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Covid-19: Fees waived for missed mortgage payments (not agreed payment holidays) due to Covid-19 difficulties

Lender: Saffron For Intermediaries

Type: setup

New Search value: Contact Lender

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Visas: Minimum number months remaining on visa

Lender: Saffron For Intermediaries

Type: setup

New Search value: We do not lend to foreign nationals on a visa

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

BTL Gambling (recurring transactions)

Lender: Saffron For Intermediaries

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL HMO Minimum Double Bedroom Square Metre

Lender: Saffron For Intermediaries

Type: change

New Search value: We do not accept HMO applications

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL HMO Minimum Single Bedroom Square Metre

Lender: Saffron For Intermediaries

Type: change

New Search value: We do not accept HMO applications

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL HMO Maximum LTV

Lender: Saffron For Intermediaries

Type: change

New Search value: We do not accept HMO applications

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL HMO Maximum Number of Kitchens

Lender: Saffron For Intermediaries

Type: change

New Search value: We do not accept HMO applications

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL HMO Maximum Number of Storeys

Lender: Saffron For Intermediaries

Type: change

New Search value: We do not accept HMO applications

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL HMO Minimum Property Value

Lender: Saffron For Intermediaries

Type: change

New Search value: We do not accept HMO applications

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL HMO Unlicensed Acceptable

Lender: Saffron For Intermediaries

Type: change

New Search value: We do not accept HMO applications

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL HMO Maximum Number of Bedrooms

Lender: Saffron For Intermediaries

Type: change

New Search value: We do not accept HMO applications

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL House of Multiple Occupation (HMO's)

Lender: Saffron For Intermediaries

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Limited Company (Trading) Min Trading Period

Lender: Saffron For Intermediaries

Type: change

New Search value: Does not lend to Ltd Companies months

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Limited Company (Trading) maximum number of applicants

Lender: Saffron For Intermediaries

Type: change

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Limited Company Buy to Let (Trading Company - No SPV)

Lender: Saffron For Intermediaries

Type: change

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Limited Company (SPV) Minimum trading period

Lender: Saffron For Intermediaries

Type: change

New Search value: Does not lend to Ltd Companies months

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Limited Company (SPV) maximum number of applicants

Lender: Saffron For Intermediaries

Type: change

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Limited Company Buy to Let (Special Purpose Vehicle SPV)

Lender: Saffron For Intermediaries

Type: change

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Limited Company Buy to Let

Lender: Saffron For Intermediaries

Type: change

New Search value: Not Accepted

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL HMO Minimum Applicant Experience

Lender: Saffron For Intermediaries

Type: change

New Search value: We do not accept HMO applications months

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL HMO First Time Landlord

Lender: Saffron For Intermediaries

Type: change

New Search value: We do not accept HMO applications

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Limited Company (Trading) applicant definition

Lender: Saffron For Intermediaries

Type: change

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Limited Company (Trading) shareholders required to provide personal guarantees

Lender: Saffron For Intermediaries

Type: change

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Limited Company (SPV) applicant definition

Lender: Saffron For Intermediaries

Type: change

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

BTL Limited Company (SPV) shareholders required to provide personal guarantees

Lender: Saffron For Intermediaries

Type: change

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Property Construction: Potton Homes

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Property Construction: Single skin

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Property Ownership: Splitting of a title deed on completion

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Property Construction: Tower Block with Cladding

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Property Construction: EWS1 required on properties with combustible cladding or materials on balconies?

Lender: Virgin

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Unadopted Roads

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Property Construction: Off site manufactured (MMC)

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Property Construction: Insulating concrete form (ICF)

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Property Construction: Dutch barns

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Property Type: Basement flat

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Property Construction: Converted church

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Guaranteed rental scheme

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Remortgage purpose: HMO conversion back to standard residence

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Purchase and rent back to the builders as a show home

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Maximum number of students considered on one AST

Lender: Virgin

Type: setup

New Search value: 4

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Gambling (recurring transactions)

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Property Factors: Mine Shafts

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Property Ownership: Possessory Title

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Estate Rentcharges

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Tenants: DSS/Housing Benefit

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Applicants on Furlough

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Remortgage purpose: Capital raise for BTL where property not yet found

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Guaranteed rental scheme

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Layered company Ltd BTL

Lender: Barclays

Type: setup

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Ltd Co BTL: Source of deposit is from applicants other company

Lender: Barclays

Type: setup

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Unadopted Roads

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL HMO rental valuation assessment

Lender: Barclays

Type: setup

New Search value: Standard AST valuation figure used

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Visas: Minimum number months remaining on visa

Lender: Barclays

Type: setup

New Search value: No Minimum

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Purchase and rent back to the builders as a show home

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL HMO: Communal area in the property

Lender: Barclays

Type: setup

New Search value: Required

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Gambling (recurring transactions)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

BTL Expat: Holiday Lets

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-22

BTL Maximum number of storeys considered for lending on flats

Lender: Landbay

Type: change

New Search value: 5

Read Policy Notes
only-criteria criteria-change 7 2020-10-22

BTL Minimum remaining lease at application

Lender: Landbay

Type: change

New Search value: 60 years

Read Policy Notes
only-criteria criteria-change 7 2020-10-22

BTL Maximum number of storeys considered for lending on ex local authority flats

Lender: Landbay

Type: change

New Search value: 5

Read Policy Notes
only-criteria criteria-change 7 2020-10-22

BTL HMO Maximum Number of Storeys

Lender: Landbay

Type: change

New Search value: 5

Read Policy Notes
only-criteria criteria-correction 7 2020-10-21

BTL Let to Buy (Remortgage current residential to Buy to Let)

Lender: Pepper Money

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2020-10-21

BTL Property Type: Freehold flats and maisonettes

Lender: Accord Mortgages

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-21

BTL Property Type: Flat above commercial offices

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-21

BTL Property Type: Flat above commercial pub

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-21

BTL Property Type: Flat above commercial food outlet

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-21

BTL Property with deck access

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-20

BTL Ltd Co BTL: Source of deposit is from applicants other company

Lender: Pepper Money

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-20

BTL Property Construction: BOPAS accreditation required for non-standard construction

Lender: Pepper Money

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL Discharged Bankrupt (years)

Lender: Precise Mortgages

Type: change

New Search value: 6 years

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL Defaults (unsatisfied) potentially accepted

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL Defaults (satisfied) potentially accepted

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL County Court Judgements (CCJs) (Satisfied) potentially accepted

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2020-10-19

BTL Arrangement to Pay

Lender: Precise Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2020-10-19

BTL CCJs registered over 36 Months ago

Lender: Precise Mortgages

Type: correction

New Search value: Not Ignored

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

BTL Months passed where Mortgage Arrears can be ignored

Lender: Precise Mortgages

Type: edit

New Search value: 36 months

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

BTL Financial Associates with Adverse

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

BTL Unauthorized Overdraft Charges

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

BTL Previously Repossessed (years ago acceptable)

Lender: Precise Mortgages

Type: edit

New Search value: Not Acceptable years

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL Defaults registered over 36 Months ago

Lender: Precise Mortgages

Type: change

New Search value: Not Ignored

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL Defaults registered between 24 to 36 Months

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL Defaults registered between 12 to 24 Months

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL Defaults registered between 3 to 12 Months

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL Defaults registered in last 3 Months

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL CCJs registered between 24 to 36 Months

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL CCJs registered between 12 to 24 Months

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL CCJs registered between 3 to 12 Months

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL CCJs registered in last 3 Months

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL County Court Judgements (CCJs) (Unsatisfied) potentially accepted

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2020-10-19

BTL Tenants: Holiday Lets

Lender: Stafford Railway Building Society

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

BTL Expat Buy to Let

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-16

BTL Escalating Ground Rents

Lender: Hodge

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL New Build Warranty: ICW

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Construction: EWS1 required on properties with combustible cladding or materials on balconies?

Lender: Cambridge Building Society

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Construction: Tower Block with Cladding

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Type: Coach house

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property being purchased at auction

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Ownership: Splitting of a title deed on completion

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Ownership: Shared access or shared services

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Issues: Overage Clause

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Construction: Woolaway

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Construction: Wholly Timbered

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Construction: Structural Insulated Panel Solutions (SIPs)

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Construction: Single skin

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Construction: Potton Homes

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Construction: Off site manufactured (MMC)

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Construction: Insulating concrete form (ICF)

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Construction: Dutch barns

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Construction: British Iron and Steel Federation (BISF)

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Flying Freehold: Maximum acceptable percentage of the gross floor area

Lender: Cambridge Building Society

Type: setup

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Construction: BOPAS accreditation required for non-standard construction

Lender: Cambridge Building Society

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Type: Basement flat

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Construction: Converted church

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Maximum number of stories where no lift is present

Lender: Cambridge Building Society

Type: setup

New Search value: 4

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Split Mortgage Terms

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Sole application joint proprietor

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Remortgage purpose: Capital raise for BTL where property not yet found

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Guaranteed rental scheme

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Layered company Ltd BTL

Lender: Cambridge Building Society

Type: setup

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Ltd Co BTL: Source of deposit is from applicants other company

Lender: Cambridge Building Society

Type: setup

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Remortgage purpose: School/Education fees

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Remortgage purpose: Medical expenses

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Remortgage purpose: Lifestyle (holidays, car's, non essential spending etc)

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Remortgage purpose: Personal investments (not property related)

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Remortgage purpose: HMO conversion back to standard residence

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Remortgage purpose: Extending a lease

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Purchase and rent back to the builders as a show home

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Maximum number of students considered on one AST

Lender: Cambridge Building Society

Type: setup

New Search value: 2

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Expat: Holiday Lets

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Applicants on Furlough

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Visas: Minimum number months remaining on visa

Lender: Cambridge Building Society

Type: setup

New Search value: We do not lend to foreign nationals on a visa

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Gambling (recurring transactions)

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL New Build Warranty: ICW

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Type: Coach house

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property being purchased at auction

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Issues: Overage Clause

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Property Construction: British Iron and Steel Federation (BISF)

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Flying Freehold: Maximum acceptable percentage of the gross floor area

Lender: Virgin

Type: setup

New Search value: 20

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Maximum number of stories where no lift is present

Lender: Virgin

Type: setup

New Search value: 5

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Escalating Ground Rents

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Retrospective New Build Warranty

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Split Mortgage Terms

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Sole application joint proprietor

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Remortgage purpose: Capital raise for BTL where property not yet found

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Layered company Ltd BTL

Lender: Virgin

Type: setup

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Ltd Co BTL: Source of deposit is from applicants other company

Lender: Virgin

Type: setup

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Remortgage purpose: School/Education fees

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Remortgage purpose: Medical expenses

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Remortgage purpose: Lifestyle (holidays, car's, non essential spending etc)

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Remortgage purpose: Personal investments (not property related)

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Remortgage purpose: Extending a lease

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Expat: Holiday Lets

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Applicants on Furlough

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

BTL Visas: Minimum number months remaining on visa

Lender: Virgin

Type: setup

New Search value: We do not lend to foreign nationals on a visa

Read Policy Notes
only-criteria criteria-correction 2020-10-15

BTL Foreign Nationals (Living Overseas)

Lender: Stafford Railway Building Society

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

BTL Maximum LTV across the whole portfolio

Lender: Stafford Railway Building Society

Type: correction

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-correction 2020-10-15

BTL Full Time Landlord

Lender: Stafford Railway Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

BTL Portfolio Landlords Position and Definition

Lender: Stafford Railway Building Society

Type: correction

New Search value: Accepted

Read Policy Notes
only-criteria criteria-correction 2020-10-15

BTL Tenants: DSS/Housing Benefit

Lender: Stafford Railway Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-15

BTL Property Construction: No-Fines

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-15

BTL Property Construction: EWS1 required on properties with combustible cladding or materials on balconies?

Lender: Stafford Railway Building Society

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 2020-10-15

BTL Limited Company Buy to Let (Trading Company - No SPV)

Lender: Vida Homeloans

Type: setup

New Search value: Accepted

Read Policy Notes
only-criteria criteria-change 2020-10-15

BTL Maximum Unsecured Arrears in last 24 Months

Lender: Precise Mortgages

Type: change

New Search value: 2

Read Policy Notes
only-criteria criteria-change 2020-10-15

BTL Maximum Mortgage Arrears in last 24 Months

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-15

BTL Debt Management Plan (satisfied)

Lender: Precise Mortgages

Type: edit

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-15

BTL Arrears (unsecured)

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-15

BTL Arrears (secured/mortgage)

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

BTL Minimum Loan Size

Lender: Kensington Mortgages

Type: correction

New Search value: 25000

Read Policy Notes
only-criteria criteria-correction 2020-10-14

BTL First Time Landlords

Lender: Foundation Home Loans

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-13

BTL First Time Landlords

Lender: Landbay

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

BTL Split Mortgage Terms

Lender: Lendinvest

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

BTL Property Construction: Tower Block with Cladding

Lender: Lendinvest

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

BTL Flying Freehold: Maximum acceptable percentage of the gross floor area

Lender: Lendinvest

Type: setup

New Search value: 15

Read Policy Notes
only-criteria criteria-edit 2020-10-12

BTL Purchase applications where existing tenants will remain in the property

Lender: Post Office Money

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Type: Coach house

Lender: Landbay

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property being purchased at auction

Lender: Landbay

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Ownership: Splitting of a title deed on completion

Lender: Landbay

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Issues: Overage Clause

Lender: Landbay

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Woolaway

Lender: Landbay

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Structural Insulated Panel Solutions (SIPs)

Lender: Landbay

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Single skin

Lender: Landbay

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Potton Homes

Lender: Landbay

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Off site manufactured (MMC)

Lender: Landbay

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Dutch barns

Lender: Landbay

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: British Iron and Steel Federation (BISF)

Lender: Landbay

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Type: Basement flat

Lender: Landbay

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Split Mortgage Terms

Lender: Landbay

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Sole application joint proprietor

Lender: Landbay

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Remortgage purpose: Capital raise for BTL where property not yet found

Lender: Landbay

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Purchase and rent back to the builders as a show home

Lender: Landbay

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Visas: Minimum number months remaining on visa

Lender: Landbay

Type: setup

New Search value: We do not lend to foreign nationals on a visa

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Tower Block with Cladding

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Type: Coach house

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property being purchased at auction

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Ownership: Splitting of a title deed on completion

Lender: Santander

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Ownership: Shared access or shared services

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Issues: Overage Clause

Lender: Santander

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Woolaway

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Structural Insulated Panel Solutions (SIPs)

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Single skin

Lender: Santander

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Potton Homes

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Wholly Timbered

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Unadopted Roads

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Off site manufactured (MMC)

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Insulating concrete form (ICF)

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Dutch barns

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: British Iron and Steel Federation (BISF)

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Flying Freehold: Maximum acceptable percentage of the gross floor area

Lender: Santander

Type: setup

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Type: Basement flat

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Property Construction: Converted church

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Maximum number of stories where no lift is present

Lender: Santander

Type: setup

New Search value: 6

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL New Build Warranty: ICW

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Split Mortgage Terms

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Sole application joint proprietor

Lender: Santander

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Remortgage purpose: Capital raise for BTL where property not yet found

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Guaranteed rental scheme

Lender: Santander

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Layered company Ltd BTL

Lender: Santander

Type: setup

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Ltd Co BTL: Source of deposit is from applicants other company

Lender: Santander

Type: setup

New Search value: Does not lend to Ltd Companies

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Remortgage purpose: School/Education fees

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Remortgage purpose: Medical expenses

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Remortgage purpose: Lifestyle (holidays, car's, non essential spending etc)

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Remortgage purpose: Personal investments (not property related)

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Remortgage purpose: HMO conversion back to standard residence

Lender: Santander

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Remortgage purpose: Extending a lease

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Purchase and rent back to the builders as a show home

Lender: Santander

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Maximum number of students considered on one AST

Lender: Santander

Type: setup

New Search value: 4

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Expat: Holiday Lets

Lender: Santander

Type: setup

New Search value: We do not accept Expat Buy to Let applications

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Applicants on Furlough

Lender: Santander

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Visas: Minimum number months remaining on visa

Lender: Santander

Type: setup

New Search value: No Minimum

Read Policy Notes
only-criteria criteria-setup 2020-10-08

BTL Gambling (recurring transactions)

Lender: Santander

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Defaults registered between 12 to 24 Months

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI CCJs registered between 3 to 12 Months

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Minimum Loan Size

Lender: Precise Mortgages

Type: change

New Search value: 25000

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Employment Income: Second Job

Lender: Accord Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Late Payments (Not Missed)

Lender: Accord Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Property Construction: Timber framed

Lender: Accord Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI County Court Judgements (CCJs) (Satisfied) potentially accepted

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Minimum Time Owner Occupier (in Months)

Lender: Accord Mortgages

Type: correction

New Search value: 6

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Employment: Contractors Weekly Multiplier for Income Assessment

Lender: Accord Mortgages

Type: correction

New Search value: 46 weeks

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Contractor Income: Umbrella Company

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Self Employed Income: Net Profit (for sole traders and partnerships)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Pension Income: State Pension

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Investment Income: Investment Income (not rent)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Pension Income: Private Pension

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Investment Income: Rental Income (from mortgaged property)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Investment Income: Rental Income (from mortgage free property)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Pension Income: Pension - War Widower

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Employment Income: Overtime (less than monthly)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Employment Income: Overtime (weekly or monthly)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Employment Income: Commission (annual)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Employment Income: Commission (half yearly)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Employment Income: Commission (quarterly)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Employment Income: Commission (monthly)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Contractor Income: Fixed Term Contract

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Employment Income: Bonus (Annual)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Employment Income: Bonus (Half Yearly)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Employment Income: Bonus (Quarterly)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Employment Income: Bonus (Monthly)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Minimum period background property let before can be ignored (months)

Lender: Accord Mortgages

Type: correction

New Search value: 1 months

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Concessionary purchase (Family)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Source of deposit: Builders Deposit

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Property Construction: Timber framed (Post 1970)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Property Construction: Timber framed (Pre 1900)

Lender: Accord Mortgages

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Property Type: Flat above shop (not food outlet)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI New Build Warranty: AEDIS

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI New Build Warranty: Q Assure Build

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Property with acreage

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Property Construction: Flying Freehold

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI New Build Warranty: ICW

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Unadopted Roads

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Construction: Tower Block with Cladding

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Type: Coach house

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property being purchased at auction

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Ownership: Splitting of a title deed on completion

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Ownership: Shared access or shared services

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Construction: Structural Insulated Panel Solutions (SIPs)

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Construction: Single skin

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Construction: Potton Homes

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Construction: Off site manufactured (MMC)

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Construction: Insulating concrete form (ICF)

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Construction: British Iron and Steel Federation (BISF)

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Construction: BOPAS accreditation required for non-standard construction

Lender: Accord Mortgages

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Flying Freehold: Maximum acceptable percentage of the gross floor area

Lender: Accord Mortgages

Type: setup

New Search value: 15

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Type: Basement flat

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Construction: Converted church

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI New Build purchased off plan

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Maximum number of stories where no lift is present

Lender: Accord Mortgages

Type: setup

New Search value: 4

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Split Mortgage Terms

Lender: Accord Mortgages

Type: setup

New Search value: Not Allowed

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Sole application joint proprietor

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Remortgage purpose: Capital raise for BTL where property not yet found

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Remortgage purpose: School/Education fees

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Remortgage purpose: Medical expenses

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Remortgage purpose: Lifestyle (holidays, car's, non essential spending etc)

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Remortgage purpose: Extending a lease

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Pension Income: Pension (Company)

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Employment Income: Flight Pay

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Employment Income: Standby / Call Out

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Other Income: Income protection/Permanent Health Insurance

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Self Employed: Recent change in status (sole trader to limited company, etc)

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Visas: Minimum number months remaining on visa

Lender: Accord Mortgages

Type: setup

New Search value: We do not lend to foreign nationals on a visa

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Age Limits: Interest Only Maximum Age at end of term

Lender: Accord Mortgages

Type: setup

New Search value: 80

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Offer expiry time (Standard - Remortgages)

Lender: Precise Mortgages

Type: edit

New Search value: 90 days

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Interest only: Other assets

Lender: Precise Mortgages

Type: edit

New Search value: Yes

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Interest only: Pension Lump Sum

Lender: Precise Mortgages

Type: edit

New Search value: Yes

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Offer expiry time (New Build)

Lender: Precise Mortgages

Type: edit

New Search value: 180 days

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Offer expiry time (Standard)

Lender: Precise Mortgages

Type: edit

New Search value: 90 days

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Interest only: Sale of other unencumbered property

Lender: Precise Mortgages

Type: edit

New Search value: Yes

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Interest only: Existing endowment or ISA

Lender: Precise Mortgages

Type: edit

New Search value: Yes

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Interest only: Sale of other mortgaged property

Lender: Precise Mortgages

Type: edit

New Search value: Yes

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Interest only: Sale of mortgaged property

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Shared Ownership: Restricted Staircasing

Lender: Precise Mortgages

Type: edit

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Remortgage Purpose: Purchase Commercial Property

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Remortgage Purpose: Buy to Let to Residential

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Remortgage Purpose: For Business Purposes

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Help to Buy Equity Loan Remortgage with Capital Raising

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Help to Buy Equity Loan Remortgage

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Help to Buy Equity Loan

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Remortgage waiting period

Lender: Precise Mortgages

Type: edit

New Search value: 12 months

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Shared Ownership Maximum LTV (of applicants share)

Lender: Precise Mortgages

Type: edit

New Search value: Not Acceptable percentage

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Back to Back (Remortgage - Bridging)

Lender: Precise Mortgages

Type: edit

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Number of credit reference agencies used

Lender: Precise Mortgages

Type: edit

New Search value: 2

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Shared Ownership

Lender: Precise Mortgages

Type: edit

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Employment Income: Overtime (less than monthly)

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Employment Income: Overtime (weekly or monthly)

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Employment Income: Commission (monthly)

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Employment Income: Parental/Maternity leave pay (back to work salary)

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Contractor Income: Sub contractor

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Contractor Income: Zero Hours Contract

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Contractor Income: IT Consultant

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Contractor Income: Fixed Term Contract

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Employment Income: Bonus (Half Yearly)

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Employment Income: Bonus (Quarterly)

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Employment Income: Bonus (Monthly)

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Other Income: Foster Care Income

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Benefit Income: Child Tax Credits

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Professional Landlord (Rent is primary source of income)

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 3 2020-10-23

RESI Self Employed: Minimum length of time self employed (months)

Lender: Precise Mortgages

Type: edit

New Search value: 12 months

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Help to Buy: Equity Loan Rate for Affordability

Lender: Precise Mortgages

Type: correction

New Search value: 1.7

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Shared Ownership Maximum Initial Share (%)

Lender: Precise Mortgages

Type: correction

New Search value: We do not accept shared ownership applications percentage

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Right to Buy additional lending above discounted price

Lender: Precise Mortgages

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Shared Ownership Min Initial Share (%)

Lender: Precise Mortgages

Type: correction

New Search value: We do not accept shared ownership applications percentage

Read Policy Notes
only-criteria criteria-correction 3 2020-10-23

RESI Right to Buy joint application sole occupier

Lender: Precise Mortgages

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Leasehold Property where No Separate Management Company Exists

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Escalating Ground Rents

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Flat/Maisonette Maximum LTV (Standard)

Lender: Precise Mortgages

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Flat/Maisonette Maximum LTV (New Build)

Lender: Precise Mortgages

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Remortgage purpose: Land Purchase (maximum LTV)

Lender: Precise Mortgages

Type: change

New Search value: 75

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Non Simultaneous Sale and Purchase

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Let to Buy (Existing lender consent to let)

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Sole application for married couple

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Back to back (Remortgage - Inherited)

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Remortgage purpose: Buy out (maximum LTV)

Lender: Precise Mortgages

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Remortgage purpose: Buy to Let Purchase (maximum LTV)

Lender: Precise Mortgages

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Right to Buy Maximum LTV (of discounted purchase price)

Lender: Precise Mortgages

Type: change

New Search value: Lender does not currently lend on Right to Buy cases percentage

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Right to Buy

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Remortgage purpose: Debt Consolidation (maximum LTV)

Lender: Precise Mortgages

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Source of deposit: Originated outside of EEA

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Source of deposit: Vendor Gifted

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Right to Buy Home Improvements Allowed

Lender: Precise Mortgages

Type: change

New Search value: We do not accept Right to Buy applications

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Remortgage purpose: Gift Money (Maximum LTV)

Lender: Precise Mortgages

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Split Mortgage Terms

Lender: Precise Mortgages

Type: setup

New Search value: Not Allowed

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Buy for University (Student Mortgages)

Lender: Precise Mortgages

Type: setup

New Search value: Not Offered

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Family assist 100% mortgages

Lender: Precise Mortgages

Type: setup

New Search value: Not Offered

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Construction: Tower Block with Cladding

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Property Construction: BOPAS accreditation required for non-standard construction

Lender: Saffron For Intermediaries

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Gambling (recurring transactions)

Lender: Saffron For Intermediaries

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Remortgage purpose: Home Improvements (maximum LTV)

Lender: Precise Mortgages

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Day 1 Remortgage (if inherited property)

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Contractor Income: Umbrella Company

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Self Employed Income: Directors Loan Payback

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Benefit Income: Universal Credit

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Employment Income: Salary (paid cash in hand)

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Pension Income: Pension - War Disablement

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Pension Income: State Pension

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Pension Income: Pension - War Widower

Lender: Precise Mortgages

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Contractor Income: Nursing Bank

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Employment Income: Commission (quarterly)

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 3 2020-10-23

RESI Minimum Length of Time in Secondary Employment (in Months)

Lender: Precise Mortgages

Type: change

New Search value: 12

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Sole application joint proprietor

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Remortgage purpose: Capital raise for BTL where property not yet found

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Shared Ownership remortgage purpose: Capital raising for home improvements

Lender: Precise Mortgages

Type: setup

New Search value: We do not accept shared ownership applications

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Right to buy remortgage within pre-emption period - Capital raising

Lender: Precise Mortgages

Type: setup

New Search value: We do not accept Right to Buy applications

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Right to buy remortgage within pre-emption period - Balance swap

Lender: Precise Mortgages

Type: setup

New Search value: We do not accept Right to Buy applications

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Remortgage purpose: School/Education fees

Lender: Precise Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Remortgage purpose: Medical expenses

Lender: Precise Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Remortgage purpose: Lifestyle (holidays, car's, non essential spending etc)

Lender: Precise Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Remortgage purpose: Personal investments (not property related)

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Remortgage purpose: Extending a lease

Lender: Precise Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Guarantors: Where applicant significant income growth is not expected

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Guarantors: Reverse (younger applicant guarantor for older applicant)

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Pension Income: Pension (Company)

Lender: Precise Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Employment Income: Flight Pay

Lender: Precise Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 3 2020-10-23

RESI Employment Income: Standby / Call Out

Lender: Precise Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Maximum Ground Rent (as % of Property Value/Purchase Price)

Lender: Accord Mortgages

Type: setup

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Other Income: Income protection/Permanent Health Insurance

Lender: Precise Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Employment: CIS Contractor Assessment

Lender: Precise Mortgages

Type: setup

New Search value: Treated as Self Employed

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Self Employed: Recent change in status (sole trader to limited company, etc)

Lender: Precise Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Professional gambler

Lender: Precise Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: EWS1 required on properties with combustible cladding or materials on balconies?

Lender: Virgin

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: Off site manufactured (MMC)

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: Insulating concrete form (ICF)

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: Dutch barns

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Gambling (recurring transactions)

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Estate Rentcharges

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-22

RESI Defaults registered between 3 to 12 Months

Lender: Kent Reliance

Type: edit

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-22

RESI Age Limits: Minimum Age at Application

Lender: Kent Reliance

Type: edit

New Search value: 18 years

Read Policy Notes
only-criteria criteria-correction 7 2020-10-22

RESI Returning to UK - Employed

Lender: Kent Reliance

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2020-10-22

RESI Returning to UK - Self-Employed

Lender: Kent Reliance

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2020-10-22

RESI Property Type: Grade 2 Listed Building

Lender: Kent Reliance

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2020-10-22

RESI Property Type: Grade 2* Listed Building

Lender: Kent Reliance

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI New Build Warranty: ICW

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Unadopted Roads

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Type: Coach house

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property being purchased at auction

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Type: Flat above shop (not food outlet)

Lender: Stafford Railway Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Ownership: Splitting of a title deed on completion

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Ownership: Shared access or shared services

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Issues: Overage Clause

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: Woolaway

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: Wholly Timbered

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: Structural Insulated Panel Solutions (SIPs)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: Single skin

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: Potton Homes

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: Off site manufactured (MMC)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: Insulating concrete form (ICF)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: Dutch barns

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: British Iron and Steel Federation (BISF)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: BOPAS accreditation required for non-standard construction

Lender: Barclays

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Flying Freehold: Maximum acceptable percentage of the gross floor area

Lender: Barclays

Type: setup

New Search value: 15

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Type: Basement flat

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Property Construction: Converted church

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI New Build purchased off plan

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-22

RESI Maximum number of stories where no lift is present

Lender: Barclays

Type: setup

New Search value: 4

Read Policy Notes
only-criteria criteria-change 7 2020-10-22

RESI Interest Only: Minimum Equity Requirement

Lender: Melton Building Society

Type: change

New Search value: 175000

Read Policy Notes
only-criteria criteria-edit 7 2020-10-22

RESI Returning to UK - Employed

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-22

RESI Returning to UK - Self-Employed

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-22

RESI Debt Related: Payday loan (previous)

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-22

RESI Debt Related: Expiring debt can be partially or fully ignored

Lender: Precise Mortgages

Type: change

New Search value: Yes

Read Policy Notes
only-criteria criteria-change 7 2020-10-22

RESI Debt Related: Payday loan (current)

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-21

RESI Visas: Working Visa (Tier 2 - Long-term work visas)

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-21

RESI Visas: Working Visa (Tier 1 - Investors, entrepreneurs and talent visas)

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-21

RESI Politically exposed persons

Lender: Precise Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-21

RESI Maximum Value of Defaults (Unsatisfied)

Lender: Kent Reliance

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 7 2020-10-21

RESI Defaults registered over 36 Months ago

Lender: Kent Reliance

Type: edit

New Search value: Potentially Ignored

Read Policy Notes
only-criteria criteria-edit 7 2020-10-21

RESI Maximum Value of Defaults (Satisfied)

Lender: Kent Reliance

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 7 2020-10-21

RESI Maximum Value of CCJs (Satisfied)

Lender: Kent Reliance

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 7 2020-10-21

RESI Arrangement to Pay

Lender: Kent Reliance

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-21

RESI Defaults registered between 24 to 36 Months

Lender: Kent Reliance

Type: edit

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-21

RESI Defaults registered in last 3 Months

Lender: Kent Reliance

Type: edit

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-21

RESI Telecommunications Adverse Ignored

Lender: Kent Reliance

Type: edit

New Search value: Yes

Read Policy Notes
only-criteria criteria-edit 7 2020-10-21

RESI Late Payments (Not Missed)

Lender: Kent Reliance

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-21

RESI Individual Voluntary Arrangements (IVA)

Lender: Kent Reliance

Type: edit

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2020-10-21

RESI Defaults registered between 12 to 24 Months

Lender: Kent Reliance

Type: correction

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-21

RESI Criminal Convictions

Lender: Kent Reliance

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-21

RESI Discharged Bankrupt (years)

Lender: Kent Reliance

Type: change

New Search value: Not Acceptable years

Read Policy Notes
only-criteria criteria-change 7 2020-10-21

RESI Individual Voluntary Arrangements - IVA (Years satisfied)

Lender: Kent Reliance

Type: change

New Search value: Not Acceptable years

Read Policy Notes
only-criteria criteria-change 7 2020-10-21

RESI Individual Voluntary Arrangements - IVA (Years since registered)

Lender: Kent Reliance

Type: change

New Search value: Not Acceptable years

Read Policy Notes
only-criteria criteria-setup 7 2020-10-21

RESI Applicants on Furlough

Lender: Buckinghamshire Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-21

RESI Shared Ownership remortgage purpose: Capital raising for home improvements

Lender: Buckinghamshire Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-21

RESI Right to buy remortgage within pre-emption period - Capital raising

Lender: Buckinghamshire Building Society

Type: setup

New Search value: We do not accept Right to Buy applications

Read Policy Notes
only-criteria criteria-setup 7 2020-10-21

RESI Right to buy remortgage within pre-emption period - Balance swap

Lender: Buckinghamshire Building Society

Type: setup

New Search value: We do not accept Right to Buy applications

Read Policy Notes
only-criteria criteria-setup 7 2020-10-21

RESI Professional gambler

Lender: Buckinghamshire Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-21

RESI Gambling (recurring transactions)

Lender: Buckinghamshire Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-21

RESI Contractor Income: Nursing Bank

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2020-10-21

RESI Income Multiple (single) Maximum

Lender: Accord Mortgages

Type: correction

New Search value: 5.0

Read Policy Notes
only-criteria criteria-correction 7 2020-10-21

RESI Income Multiple (Joint) Maximum

Lender: Accord Mortgages

Type: correction

New Search value: 5.0

Read Policy Notes
only-criteria criteria-adminGeneral 7 2020-10-20

RESI Employment: Contractors Weekly Multiplier for Income Assessment

Lender: Santander

Type: adminGeneral

New Search value: 52 weeks

Read Policy Notes
only-criteria criteria-correction 7 2020-10-20

RESI Property Factors: Next to Commercial (Sui Generis)

Lender: Pepper Money

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-20

RESI New Build Warranty: ICW

Lender: Pepper Money

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2020-10-20

RESI Property Construction: EWS1 required on properties with combustible cladding or materials on balconies?

Lender: Pepper Money

Type: setup

New Search value: No

Read Policy Notes
only-criteria criteria-setup 7 2020-10-20

RESI Employment: CIS Contractor Assessment

Lender: Pepper Money

Type: setup

New Search value: Treated as Self Employed

Read Policy Notes
only-criteria criteria-setup 7 2020-10-20

RESI Soft Footprint on Credit Search?

Lender: Furness Building Society

Type: setup

New Search value: No (Full Footprint)

Read Policy Notes
only-criteria criteria-edit 7 2020-10-20

RESI Visas: Family Visa (Spousal etc)

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-20

RESI Maximum Mortgage Arrears in last 24 Months

Lender: Kent Reliance

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 7 2020-10-20

RESI County Court Judgements (CCJs) (Satisfied) potentially accepted

Lender: Kent Reliance

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-20

RESI Defaults (unsatisfied) potentially accepted

Lender: Kent Reliance

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-20

RESI Defaults (satisfied) potentially accepted

Lender: Kent Reliance

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-20

RESI CCJs registered in last 3 Months

Lender: Kent Reliance

Type: edit

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-20

RESI CCJs registered over 36 Months ago

Lender: Kent Reliance

Type: change

New Search value: Potentially Ignored

Read Policy Notes
only-criteria criteria-change 7 2020-10-20

RESI CCJs registered between 24 to 36 Months

Lender: Kent Reliance

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-20

RESI CCJs registered between 12 to 24 Months

Lender: Kent Reliance

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-20

RESI CCJs registered between 3 to 12 Months

Lender: Kent Reliance

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-20

RESI Months passed where Mortgage Arrears can be ignored

Lender: Kent Reliance

Type: change

New Search value: 12

Read Policy Notes
only-criteria criteria-correction 7 2020-10-19

RESI Employment : Zero Hours Contract Minimum Time in Position (in Months)

Lender: Kensington Mortgages

Type: correction

New Search value: 12

Read Policy Notes
only-criteria criteria-setup 7 2020-10-19

RESI Visas: Minimum number months remaining on visa

Lender: Precise Mortgages

Type: setup

New Search value: No Minimum

Read Policy Notes
only-criteria criteria-setup 7 2020-10-19

RESI Gambling (recurring transactions)

Lender: Precise Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Property Ownership: Tenancy in Common with Unequal Shares

Lender: Kent Reliance

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Property Usage: Acceptable commercial limit

Lender: Kent Reliance

Type: change

New Search value: Not Acceptable percentage

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Property Construction: Thatched roof

Lender: Kent Reliance

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

RESI Soft Footprint on Credit Search?

Lender: Kent Reliance

Type: edit

New Search value: Yes (Soft Footprint)

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

RESI Arrears (unsecured)

Lender: Kent Reliance

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2020-10-19

RESI Affordability Assessment: Maintenance Payments

Lender: Kent Reliance

Type: correction

New Search value: Not Ignored

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Remortgage Purpose: Shared Ownership Staircasing to 100% ownership (maximum LTV)

Lender: Kent Reliance

Type: change

New Search value: 75

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Remortgage purpose: Land Purchase (maximum LTV)

Lender: Kent Reliance

Type: change

New Search value: 75

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Affordability Assessment: Season Ticket Loans

Lender: Kent Reliance

Type: change

New Search value: Not Ignored

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Lodgers

Lender: Kent Reliance

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Undervalue transactions

Lender: Kent Reliance

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Maximum debt to income ratio

Lender: Kent Reliance

Type: change

New Search value: 90 percentage

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Back to back (Sub Sale Purchase - Other)

Lender: Kent Reliance

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Back to back (Sub Sale Purchase - Repossessed)

Lender: Kent Reliance

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Remortgage purpose: Buy out (maximum LTV)

Lender: Kent Reliance

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Remortgage purpose: Balance Swap (maximum LTV)

Lender: Kent Reliance

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Remortgage purpose: Buy to Let Purchase (maximum LTV)

Lender: Kent Reliance

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Remortgage purpose: Debt Consolidation (maximum LTV)

Lender: Kent Reliance

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Joint application sole proprietor

Lender: Kent Reliance

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Back to back (Sub Sale Purchase - Part Exchange)

Lender: Kent Reliance

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Remortgage purpose: Gift Money (Maximum LTV)

Lender: Kent Reliance

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Remortgage purpose: Home Improvements (maximum LTV)

Lender: Kent Reliance

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-setup 7 2020-10-19

RESI Age Limits: Interest Only Maximum Age at end of term

Lender: Precise Mortgages

Type: setup

New Search value: 70

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

RESI Employment Income: Employers Mortgage Subsidy

Lender: Kent Reliance

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

RESI Property Factors: Mine Shafts

Lender: Kent Reliance

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

RESI Property Factors: Next to Commercial (Class A1 – shops and retail outlets)

Lender: Kent Reliance

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

RESI Foreign Nationals (WITHOUT indefinite leave to remain)

Lender: Kent Reliance

Type: edit

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

RESI Property Type Studio Flat Minimum Floor Area (Sq Metres)

Lender: Kent Reliance

Type: edit

New Search value: 30

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

RESI Foreign Nationals (with indefinite leave to remain)

Lender: Kent Reliance

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

RESI Property Construction: Steel framed

Lender: Kent Reliance

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

RESI Property Construction: Flying Freehold

Lender: Kent Reliance

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2020-10-19

RESI Property Type: Studio flat

Lender: Kent Reliance

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Benefit Income: Child Benefit

Lender: Kent Reliance

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Contractor Income: Nursing Bank

Lender: Kent Reliance

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Employment Income: Shift Allowance

Lender: Kent Reliance

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Other Income: Foster Care Income

Lender: Kent Reliance

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Benefit Income: Working Tax Credits

Lender: Kent Reliance

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Advisor Own Application

Lender: Kent Reliance

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI House/Bungalow Maximum LTV (New Build)

Lender: Kent Reliance

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Age Limits: Maximum Age at Term End Without Pension Proof ( max retirement age )

Lender: Kent Reliance

Type: change

New Search value: 67 years

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Age Limits: Maximum Age AT POINT OF APPLICATION

Lender: Kent Reliance

Type: change

New Search value: 79 years

Read Policy Notes
only-criteria criteria-change 7 2020-10-19

RESI Property Construction: Mundic block

Lender: Kent Reliance

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-16

RESI Maximum Ground Rent (as % of Property Value/Purchase Price)

Lender: Hodge

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 2020-10-16

RESI Escalating Ground Rents

Lender: Hodge

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-16

RESI Property Type: Grade 2* Listed Building

Lender: Hodge

Type: edit

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-16

RESI Property Type: Grade 1 Listed Building

Lender: Hodge

Type: edit

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-16

RESI Self Employed: Latest years self employed figures for affordability

Lender: Cambridge Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-16

RESI Right to Buy

Lender: Cambridge Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI New Build Warranty: ICW

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Unadopted Roads

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Construction: EWS1 required on properties with combustible cladding or materials on balconies?

Lender: Cambridge Building Society

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Construction: Tower Block with Cladding

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Type: Coach house

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property being purchased at auction

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Ownership: Splitting of a title deed on completion

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Ownership: Shared access or shared services

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Issues: Overage Clause

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Construction: Wholly Timbered

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Construction: Potton Homes

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Construction: Off site manufactured (MMC)

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Construction: Insulating concrete form (ICF)

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Flying Freehold: Maximum acceptable percentage of the gross floor area

Lender: Cambridge Building Society

Type: setup

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Type: Basement flat

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Construction: Converted church

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI New Build purchased off plan

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Maximum number of stories where no lift is present

Lender: Cambridge Building Society

Type: setup

New Search value: 4

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Buy for University (Student Mortgages)

Lender: Cambridge Building Society

Type: setup

New Search value: Not Offered

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Family assist 100% mortgages

Lender: Cambridge Building Society

Type: setup

New Search value: Not Offered

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Sole application joint proprietor

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Remortgage purpose: Capital raise for BTL where property not yet found

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Right to buy remortgage within pre-emption period - Capital raising

Lender: Cambridge Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Right to buy remortgage within pre-emption period - Balance swap

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Remortgage purpose: School/Education fees

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Remortgage purpose: Medical expenses

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Remortgage purpose: Lifestyle (holidays, car's, non essential spending etc)

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Remortgage purpose: Personal investments (not property related)

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Remortgage purpose: Extending a lease

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Guarantors: Where applicant significant income growth is not expected

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Guarantors: Reverse (younger applicant guarantor for older applicant)

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Self Employed Income: Limited Company Directors (Salary and Share of Net Profits AFTER CORPORATION TAX)

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Pension Income: Pension (Company)

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Employment Income: Flight Pay

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Employment Income: Standby / Call Out

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Other Income: Income protection/Permanent Health Insurance

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Applicants on Furlough

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Employment: CIS Contractor Assessment

Lender: Cambridge Building Society

Type: setup

New Search value: Treated as Self Employed

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Self Employed: Recent change in status (sole trader to limited company, etc)

Lender: Cambridge Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Visas: Minimum number months remaining on visa

Lender: Cambridge Building Society

Type: setup

New Search value: We do not lend to foreign nationals on a visa

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Age Limits: Interest Only Maximum Age at end of term

Lender: Cambridge Building Society

Type: setup

New Search value: 75

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Unadopted Roads

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Construction: Tower Block with Cladding

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Ownership: Splitting of a title deed on completion

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Construction: Single skin

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Construction: Potton Homes

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Construction: British Iron and Steel Federation (BISF)

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Type: Basement flat

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Construction: Converted church

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI New Build purchased off plan

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Factors: Mine Shafts

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Ownership: Possessory Title

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Factors: Next to Commercial (Sui Generis)

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Factors: Part Renovated (Is Habitable)

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Factors: Contaminated Land

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Factors: Underpinned within last 10 years

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Property Type: Commonhold Properties

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Employment Income: Standby / Call Out

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Other Income: Income protection/Permanent Health Insurance

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Employment Income: Tronc Payments (Tips etc)

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-16

RESI Professional gambler

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-15

RESI Help to Buy: Equity Loan Rate for Affordability

Lender: Principality Building Society

Type: change

New Search value: does not take part in Help to Buy Equity Loan

Read Policy Notes
only-criteria criteria-change 2020-10-15

RESI Help to Buy Equity Loan

Lender: Principality Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Self Employed Income: Net Profit (for sole traders and partnerships)

Lender: Stafford Railway Building Society

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Property with Annex where Annex will be Let

Lender: Stafford Railway Building Society

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Property has self contained annex

Lender: Stafford Railway Building Society

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Property Construction: Timber framed

Lender: Stafford Railway Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI House/Bungalow Maximum LTV (New Build)

Lender: Stafford Railway Building Society

Type: correction

New Search value: 80 percentage

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Flat/Maisonette Maximum LTV (Standard)

Lender: Stafford Railway Building Society

Type: correction

New Search value: 80 percentage

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Flat/Maisonette Maximum LTV (New Build)

Lender: Stafford Railway Building Society

Type: correction

New Search value: 80 percentage

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Property Usage: Holiday/Second Home

Lender: Stafford Railway Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Interest only: Sale of mortgaged property

Lender: Stafford Railway Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Source of deposit: Gift From Immediate Family

Lender: Stafford Railway Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Contractor Income: Piecework Contract

Lender: Stafford Railway Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Age Limits: Maximum Age at Term End Without Pension Proof ( max retirement age )

Lender: Stafford Railway Building Society

Type: correction

New Search value: 70 years

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Late Payments (Not Missed)

Lender: Stafford Railway Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-15

RESI Contractor Income: Sub contractor

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-15

RESI CCJs registered over 36 Months ago

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Ignored

Read Policy Notes
only-criteria criteria-change 2020-10-15

RESI Maximum number of storeys considered for lending on ex local authority flats

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-15

RESI Property Type: Ex local auth flat/maisonette

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-15

RESI Property Construction: EWS1 required on properties with combustible cladding or materials on balconies?

Lender: Stafford Railway Building Society

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 2020-10-15

RESI Property Construction: BOPAS accreditation required for non-standard construction

Lender: Stafford Railway Building Society

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 2020-10-15

RESI Employment: CIS Contractor Assessment

Lender: Stafford Railway Building Society

Type: setup

New Search value: Treated as Self Employed

Read Policy Notes
only-criteria criteria-setup 2020-10-15

RESI Applicants on Furlough

Lender: Hanley Economic Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-15

RESI New Build purchased off plan

Lender: Hanley Economic Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-15

RESI Buy for University (Student Mortgages)

Lender: Hanley Economic Building Society

Type: setup

New Search value: Not Offered

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Maximum Value of Defaults (Unsatisfied)

Lender: Kensington Mortgages

Type: edit

New Search value: 1500

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Maximum Number of Defaults (Unsatisfied)

Lender: Kensington Mortgages

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Maximum Value of CCJs (Satisfied)

Lender: Kensington Mortgages

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Maximum Number of CCJs (Satisfied)

Lender: Kensington Mortgages

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Arrears (unsecured)

Lender: Kensington Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI County Court Judgements (CCJs) (Satisfied) potentially accepted

Lender: Kensington Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Defaults (satisfied) potentially accepted

Lender: Kensington Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Arrears (secured/mortgage)

Lender: Kensington Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Maximum Mortgage Arrears in last 24 Months

Lender: Kensington Mortgages

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Maximum Unsecured Arrears in last 24 Months

Lender: Kensington Mortgages

Type: correction

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Defaults registered between 12 to 24 Months

Lender: Kensington Mortgages

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Maximum Number of Defaults (Satisfied)

Lender: Kensington Mortgages

Type: correction

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Defaults (unsatisfied) potentially accepted

Lender: Kensington Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-15

RESI CCJs registered between 12 to 24 Months

Lender: Kensington Mortgages

Type: setup

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-15

RESI Maximum Value of Defaults (Satisfied)

Lender: Kensington Mortgages

Type: setup

New Search value: 1500

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Defaults registered between 3 to 12 Months

Lender: Kensington Mortgages

Type: edit

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Flat/Maisonette Maximum LTV (Standard)

Lender: Kensington Mortgages

Type: correction

New Search value: 85 percentage

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Pension Income: Pension - War Disablement

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Other Income: Maintenance (through the courts)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Benefit Income: Child Benefit

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Employment Income: Parental/Maternity leave pay (back to work salary)

Lender: Accord Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Other Income: Maintenance (not through the courts)

Lender: Accord Mortgages

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-15

RESI County Court Judgements (CCJs) (Unsatisfied) potentially accepted

Lender: Gatehouse Bank

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-15

RESI Defaults (unsatisfied) potentially accepted

Lender: Gatehouse Bank

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Previously Repossessed (years ago acceptable)

Lender: Precise Mortgages

Type: edit

New Search value: Not Acceptable years

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Maximum Value of CCJs (Unsatisfied)

Lender: Precise Mortgages

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Maximum Value of CCJs (Satisfied)

Lender: Precise Mortgages

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI County Court Judgements (CCJs) (Unsatisfied) potentially accepted

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Maximum Value of Defaults (Unsatisfied)

Lender: Precise Mortgages

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Maximum Value of Defaults (Satisfied)

Lender: Precise Mortgages

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Defaults (unsatisfied) potentially accepted

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-15

RESI Defaults (satisfied) potentially accepted

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Arrangement to Pay

Lender: Precise Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Financial Associates with Adverse

Lender: Precise Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-15

RESI Criminal Convictions

Lender: Precise Mortgages

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-15

RESI Maximum Number of Defaults (Unsatisfied)

Lender: Precise Mortgages

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-change 2020-10-15

RESI Maximum Number of Defaults (Satisfied)

Lender: Precise Mortgages

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-change 2020-10-15

RESI Maximum Number of CCJs (Unsatisfied)

Lender: Precise Mortgages

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-change 2020-10-15

RESI Maximum Number of CCJs (Satisfied)

Lender: Precise Mortgages

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-change 2020-10-15

RESI Discharged Bankrupt (years)

Lender: Precise Mortgages

Type: change

New Search value: 6 years

Read Policy Notes
only-criteria criteria-setup 2020-10-14

RESI Property Usage: Home for dependant

Lender: Gatehouse Bank

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-14

RESI Property Type: Studio flat

Lender: Gatehouse Bank

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-14

RESI Property has self contained annex

Lender: Gatehouse Bank

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-14

RESI Lending Location: Scotland

Lender: Gatehouse Bank

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-14

RESI Lending Location: Channel Islands

Lender: Gatehouse Bank

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-14

RESI Escalating Ground Rents

Lender: Gatehouse Bank

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-14

RESI Affordability Assessment: Student Loans

Lender: Gatehouse Bank

Type: setup

New Search value: Not Ignored

Read Policy Notes
only-criteria criteria-setup 2020-10-14

RESI Debt Management Plan (Current/Unsatisfied)

Lender: Gatehouse Bank

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Remortgage purpose: School/Education fees

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Sole application joint proprietor

Lender: Vida Homeloans

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Self Employed Income: Limited Company Directors (Salary and Share of Net Profits AFTER CORPORATION TAX)

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Self Employed Income: Limited Company Directors (Salary and Share of Net Profits BEFORE CORPORATION TAX)

Lender: Vida Homeloans

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Remortgage purpose: Medical expenses

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Retrospective New Build Warranty

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Remortgage purpose: Capital raise for BTL where property not yet found

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Property being purchased at auction

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Property Ownership: Splitting of a title deed on completion

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Property Type: Basement flat

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Remortgage purpose: Lifestyle (holidays, car's, non essential spending etc)

Lender: Vida Homeloans

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Remortgage purpose: Extending a lease

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Property Ownership: Tenancy in Common with Unequal Shares

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Property Ownership: Shared access or shared services

Lender: Vida Homeloans

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Property Issues: Overage Clause

Lender: Vida Homeloans

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Property Construction: Insulating concrete form (ICF)

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Property Construction: Dutch barns

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Property Construction: Converted church

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-13

RESI Property Usage: Home for dependant

Lender: Hodge

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-13

RESI Property Type: Grade 2 Listed Building

Lender: Hodge

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-13

RESI Property Usage: Bed and Breakfast (B&B)

Lender: Hodge

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-13

RESI Right to buy remortgage within pre-emption period - Capital raising

Lender: Principality Building Society

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 2020-10-13

RESI Joint application sole proprietor

Lender: HSBC

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-13

RESI County Court Judgements (CCJs) (Satisfied) potentially accepted

Lender: Precise Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-13

RESI Arrears (unsecured)

Lender: Newcastle Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Self Employed: Recent change in status (sole trader to limited company, etc)

Lender: Progressive Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Remortgage purpose: Personal investments (not property related)

Lender: Progressive Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Property Ownership: Shared access or shared services

Lender: Progressive Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Visas: Minimum number months remaining on visa

Lender: Progressive Building Society

Type: setup

New Search value: We do not lend to foreign nationals on a visa

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Remortgage purpose: Extending a lease

Lender: Progressive Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Remortgage purpose: Lifestyle (holidays, car's, non essential spending etc)

Lender: Progressive Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Remortgage purpose: Medical expenses

Lender: Progressive Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Remortgage purpose: School/Education fees

Lender: Progressive Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Remortgage purpose: Capital raise for BTL where property not yet found

Lender: Progressive Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Guarantors: Where applicant significant income growth is not expected

Lender: Progressive Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Guarantors: Reverse (younger applicant guarantor for older applicant)

Lender: Progressive Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Pension Income: Pension (Company)

Lender: Progressive Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Other Income: Income protection/Permanent Health Insurance

Lender: Progressive Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Maximum number of stories where no lift is present

Lender: Progressive Building Society

Type: setup

New Search value: 4

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Applicants on Furlough

Lender: Progressive Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Employment: CIS Contractor Assessment

Lender: Progressive Building Society

Type: setup

New Search value: Treated as Self Employed

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Age Limits: Interest Only Maximum Age at end of term

Lender: Progressive Building Society

Type: setup

New Search value: 75

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Self-Build: Product fees added to the loan

Lender: Progressive Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Pension Income: Pension (Company)

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI New Build Warranty: ICW

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Property Construction: British Iron and Steel Federation (BISF)

Lender: Vida Homeloans

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Flying Freehold: Maximum acceptable percentage of the gross floor area

Lender: Vida Homeloans

Type: setup

New Search value: 15

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI New Build purchased off plan

Lender: Vida Homeloans

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Maximum number of stories where no lift is present

Lender: Vida Homeloans

Type: setup

New Search value: 4

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Employment: CIS Contractor Assessment

Lender: Vida Homeloans

Type: setup

New Search value: Treated as Self Employed

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Age Limits: Interest Only Maximum Age at end of term

Lender: Vida Homeloans

Type: setup

New Search value: 80

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Property Type: Coach house

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Property being purchased at auction

Lender: Virgin

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Property Issues: Overage Clause

Lender: Virgin

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Flying Freehold: Maximum acceptable percentage of the gross floor area

Lender: Virgin

Type: setup

New Search value: 20

Read Policy Notes
only-criteria criteria-setup 2020-10-13

RESI Maximum number of stories where no lift is present

Lender: Virgin

Type: setup

New Search value: 5

Read Policy Notes
only-criteria criteria-change 2020-10-13

RESI Right to buy remortgage within pre-emption period - Capital raising

Lender: Leeds Building Society

Type: change

New Search value: We do not accept Right to Buy applications

Read Policy Notes
only-criteria criteria-change 2020-10-13

RESI Right to buy remortgage within pre-emption period - Balance swap

Lender: Leeds Building Society

Type: change

New Search value: We do not accept Right to Buy applications

Read Policy Notes
only-criteria criteria-change 2020-10-13

RESI Right to Buy additional lending above discounted price

Lender: Leeds Building Society

Type: change

New Search value: Lender does not currently lend on Right to Buy cases

Read Policy Notes
only-criteria criteria-change 2020-10-13

RESI Right to Buy Maximum LTV (of discounted purchase price)

Lender: Leeds Building Society

Type: change

New Search value: Lender does not currently lend on Right to Buy cases percentage

Read Policy Notes
only-criteria criteria-change 2020-10-13

RESI Right to Buy

Lender: Leeds Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-13

RESI Right to Buy Home Improvements Allowed

Lender: Leeds Building Society

Type: change

New Search value: We do not accept Right to Buy applications

Read Policy Notes
only-criteria criteria-change 2020-10-13

RESI Right to Buy joint application sole occupier

Lender: Leeds Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-12

RESI Property Construction: EWS1 required on properties with combustible cladding or materials on balconies?

Lender: Post Office Money

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-edit 2020-10-12

RESI Help to Buy Equity Loan

Lender: Melton Building Society

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-12

RESI Help to Buy Equity Loan Remortgage

Lender: Accord Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-12

RESI Let to Buy (Onward Purchase)

Lender: Natwest

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-12

RESI Let to Buy (Remortgage current residential to Buy to Let)

Lender: Natwest

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2020-10-09

RESI Maximum Value of CCJs (Unsatisfied)

Lender: Accord Mortgages

Type: setup

New Search value: 0

Read Policy Notes
only-criteria criteria-correction 2020-10-09

RESI Maximum Value of CCJs (Satisfied)

Lender: Accord Mortgages

Type: correction

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-change 2020-10-09

RESI Maximum Number of CCJs (Unsatisfied)

Lender: Accord Mortgages

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 2020-10-09

RESI Maximum Number of CCJs (Satisfied)

Lender: Accord Mortgages

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-setup 2020-10-09

RESI CCJs registered over 36 Months ago

Lender: Accord Mortgages

Type: setup

New Search value: Potentially Ignored

Read Policy Notes
only-criteria criteria-change 2020-10-09

RESI CCJs registered in last 3 Months

Lender: Accord Mortgages

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-09

RESI CCJs registered between 3 to 12 Months

Lender: Accord Mortgages

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-09

RESI CCJs registered between 24 to 36 Months

Lender: Accord Mortgages

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-09

RESI CCJs registered between 12 to 24 Months

Lender: Accord Mortgages

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-09

RESI County Court Judgements (CCJs) (Unsatisfied) potentially accepted

Lender: Accord Mortgages

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-09

RESI Maximum Value of Defaults (Unsatisfied)

Lender: Accord Mortgages

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-change 2020-10-09

RESI Maximum Value of Defaults (Satisfied)

Lender: Accord Mortgages

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 2020-10-09

RESI Maximum Number of Defaults (Unsatisfied)

Lender: Accord Mortgages

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 2020-10-09

RESI Maximum Number of Defaults (Satisfied)

Lender: Accord Mortgages

Type: edit

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-change 2020-10-09

RESI Defaults registered over 36 Months ago

Lender: Accord Mortgages

Type: change

New Search value: Potentially Ignored

Read Policy Notes
only-criteria criteria-change 2020-10-09

RESI Defaults registered between 24 to 36 Months

Lender: Accord Mortgages

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-09

RESI Defaults registered between 12 to 24 Months

Lender: Accord Mortgages

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-09

RESI Defaults registered between 3 to 12 Months

Lender: Accord Mortgages

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 2020-10-09

RESI Defaults registered in last 3 Months

Lender: Accord Mortgages

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-09

RESI Defaults (satisfied) potentially accepted

Lender: Accord Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 2020-10-09

RESI Defaults (unsatisfied) potentially accepted

Lender: Accord Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-news news-Top Comments news-Your Community news-broker advice news-broker technology news-digital communications news-mortgage lender service news-Star Letter 3 2020-10-23

‘Clients are not an interruption of our time’ – Star Letter 23/10/2020

Each week Mortgage Solutions and its sister title Specialist Lending Solutions select the top comments from our readers in our Star Letter section.

Read More...
only-news news-News news-latest mortgage news news-mortgage broker news-mortgage broker news news-most read 3 2020-10-23

The top 10 biggest mortgage broker stories this week – 23/10/20

The stamp duty deadline topped the list of this week's biggest stories, as market stakeholders worry home buyers could miss out.

Read More...
only-news news-Better Business news-Business Skills news-Bower Retirement news-equity release news-Equity Release Council news-lifetime mortgage 3 2020-10-23

Equity release market needs to shout about its improvements – Rozario

The equity release industry has come a long way. Today’s market is virtually unrecognisable from the industry when I first entered it, and I’m glad of it.

Read More...
only-news news-Better Business news-Business Skills news-Beth Rudolf news-conveyancing news-Conveyancing Association (CA) news-stamp duty holiday 3 2020-10-23

Conveyancers lobby for staggered stamp duty deadline as firms turn down work – Rudolf

These are undoubtedly incredibly busy times at present for all housing market stakeholders.

Read More...
only-news news-News news-FCA news-Financial Conduct Authority (FCA) news-mortgage prisoners news-regulation 3 2020-10-23

FCA rejects pleas to compel closed book lenders to offer trapped borrowers new loans

The Financial Conduct Authority (FCA) has rejected calls from mortgage prisoners to make it compulsory for lenders to allow borrowers to switch from closed book firms to active lenders within the same group without conducting an affordability assessment.

Read More...
only-news news-News news-BM solutions news-Mortgage technology news-Phil Rickards 3 2020-10-23

BM Solutions launches new mortgage application system

BM Solutions is rolling out a new online mortgage application system with features designed to improve the application process for intermediaries.

Read More...
only-news news-News news-first-time buyer (FTB) news-first-time buyer mortgages news-TSB 3 2020-10-23

TSB launches first-time buyer range with lower stress rate

TSB has launched a range of mortgages for first-time buyers with deals available up to 85 per cent loan to value (LTV).

Read More...
only-news news-News news-80% LTV news-five year fixed rates news-Newcastle Building Society news-Platform news-rate increase 3 2020-10-23

Platform ups rates and Newcastle BS adds 80 per cent LTVs – round-up

Platform has increased mortgage rates on its five-year fixed products between 60 and 80 per cent loan to value (LTV) by up to 0.13 per cent.

Read More...
only-news news-News news-Barclays news-barclays coronavirus news-barclays results 3 2020-10-23

Barclays’ coronavirus hit climbs to £4.3bn

Barclays set aside an additional £608m in loss provisions and impairment charges in the third quarter of 2020, taking the total hit from the coronavirus to £4.3bn.

Read More...
only-news news-Complex Buy To Let news-Specialist Lending news-D’mitri Zaprzala news-Nicholas Christofi news-Octopus Real Estate news-sirius property finance news-Specialist Lending Solutions Podcast news-topstories 7 2020-10-22

Specialist Lending Solutions Podcast: ‘This is the type of market where specialist lending can thrive’

There is a huge opportunity for the specialist sector to thrive in the next six months, but advisers and lenders must be responsible towards their borrowers, the Specialist Lending Solutions Podcast has heard.

Read More...
only-product product-New 3 2020-10-23

Leeds B Society

New Product Launched

New products launched

only-product product-New 3 2020-10-23

Darlington

New Product Launched

New products launched

only-product product-New 3 2020-10-23

Leeds Retention

New Product Launched

New products launched

only-product product-New 3 2020-10-23

TSB - Intermediaries

New Product Launched

Revised Product range and extended end dates til Feb

only-product product-New 3 2020-10-23

Newcastle BS

New Product Launched

New product range

only-product product-New 3 2020-10-23

Clydesdale Bank PLC

New Product Launched

Revised Residential Products

only-product product-New 3 2020-10-23

Platform Mainstream

New Product Launched

New product range

only-product product-Amended 3 2020-10-23

Buildloan-Mansfield

Product Amended

2 products updated

only-product product-Deleted 3 2020-10-23

Mansfield

Product Withdrawn

Holiday Let product withdrawn

only-product product-New 7 2020-10-22

Tipton + Coseley

New Product Launched

New products launched

only-product product-New 7 2020-10-22

HSBC Intermediary

New Product Launched

Product codes & rates updated

only-product product-New 7 2020-10-22

Barclays

New Product Launched

New product range

only-product product-New 7 2020-10-22

1APP@TFC - Precise

New Product Launched

New products

only-product product-New 7 2020-10-22

Precise Mortgages

New Product Launched

New products

only-product product-New 7 2020-10-22

Chelsea B Society

New Product Launched

New product range

only-product product-New 7 2020-10-22

The Mortgage Lender

New Product Launched

Revised Product range

only-product product-New 7 2020-10-22

Virgin Money

New Product Launched

Revised Products and end dates extended across the range

only-product product-New 7 2020-10-21

Saffron B.Society

New Product Launched

New products launched

only-product product-New 7 2020-10-21

1APP@TFC - Landbay

New Product Launched

New Exclusives

only-product product-New 7 2020-10-20

Santander

New Product Launched

Products updated

only-product product-New 7 2020-10-20

Hodge

New Product Launched

Holiday Let rates changed

only-product product-New 7 2020-10-20

3mc - Landbay

New Product Launched

New product range

only-product product-New 7 2020-10-20

Dynamo F-I - Landbay

New Product Launched

New Exclusives

only-product product-New 7 2020-10-19

Scottish Widows Bank

New Product Launched

New products launched

only-product product-New 2020-10-17

Accord Mortgages

New Product Launched

BTL PT range updated, codes, dates and rates

only-product product-New 2020-10-16

NatWest Exclusive

New Product Launched

New products launched

only-product product-New 2020-10-16

Digital Mortgages

New Product Launched

Products updated

only-product product-New 2020-10-16

NatWest Intermediary

New Product Launched

New products launched

only-product product-New 2020-10-16

3mc - Paragon Bank

New Product Launched

New BTL Semi Exclusives launched

only-product product-Amended 2020-10-16

Barclays

Product Amended

Range revised

only-product product-New 2020-10-15

Foundation HomeLoans

New Product Launched

New products launched

only-product product-Deleted 2020-10-15

TBMC - Hodge

Product Withdrawn

Products withdrawn.

only-product product-New 2020-10-14

Melton Mowbray

New Product Launched

New products added

only-product product-New 2020-10-13

Vida Homeloans

New Product Launched

Product range updated & some withdrawals made

only-product product-New 2020-10-13

1APP@TFC - Vida

New Product Launched

Product range updated & some withdrawals made

only-product product-New 2020-10-13

Dynamo F-I - Vida

New Product Launched

Product range updated & some withdrawals made

only-product product-New 2020-10-13

Positive Lending-VHL

New Product Launched

Product range updated & some withdrawals made

only-product product-New 2020-10-12

Paragon Residential

New Product Launched

Products updated

only-product product-New 2020-10-09

Furness B.Soc

New Product Launched

New product launched

only-product product-New 2020-10-09

Hanley Economic

New Product Launched

New product

only-product product-New 2020-10-09

Equifinance

New Product Launched

Revised Product range

only-product product-New 2020-10-09

Bath Inv. + B.Soc.

New Product Launched

Withdrawal of products

only-product product-Amended 2020-10-09

Halifax

Product Amended

Some products amended

only-product product-Amended 2020-10-09

Barclays

Product Amended

Range revised

only-product product-Deleted 2020-10-09

Furness B.Soc

Product Withdrawn

Two products withdrawn

only-product product-New 2020-10-08

Scottish B.Soc

New Product Launched

Launched Self Build product

only-product product-New 2020-10-07

Nationwide B.Soc

New Product Launched

Product codes & rates updated

only-product product-New 2020-10-07

Hanley Economic

New Product Launched

New products launched

only-product product-New 2020-10-06

Newcastle BS

New Product Launched

New product range

only-product product-New 2020-10-06

Scottish B.Soc

New Product Launched

Launched 2 New Discount rates.

only-product product-Amended 2020-10-06

Precise Mortgages

Product Amended

Product code amended on two products